Investigation On Credit Risk Control Mode Of Middle And Small Enterprise Of BOC T Branch

Small and medium-sized enterprises are an important driving force for economic and social development,they have contributed more than 60%to GDP and playing an important role in urban employment,technological innovation and economic restructuring.However,due to the small size of SMEs and fierce market competition,the probability of the final real growth in the development process is very low,which makes it difficult for SMEs to obtain financing.Although after the international financial crisis in 2008,the Chinese government has established a number of measures,in order to support the development of SMEs,but under the influence of the social environment,SMEs itself still exist many problems.So the difficulty in financing for SMEs in our country is still outstanding now.This article want to solve this problem from the perspective of commercial bank,between Banks and enterprises to promote common development,and through the bank of China T branch of small and medium-sized enterprise credit risk control model,make effective credit risk control measures,improve the small and medium-sized enterprise financing ability,promote the healthy development of small and medium-sized enterprises.Based on the collection,reading and reference to the other documents,first of all,this paper analyzes the types of SMEs loan risk of commercial bank,the main source of credit risk for SMEs,general methods for commercial banks to control credit risk.Secondly,based on the global category,SMEs in the commercial bank credit risk control model are discussed and classified,in this paper,I discussed foreign banks'model,like the Wells Fargo model,the European Development Bank model,the Japanese commercial bank model,and the Korean commercial bank model.I also discussed the models in CHINA,like model of Hong Kong Commercial Bank,China Development Bank Chongqing Branch,and Industrial and Commercial Bank of China.Thirdly,with the example of the bank of China T branch,I Specifically introduce the current status of the“credit factory" model adopted by T-branch,Analyzed many problems and their causes of this model;Finally,propose suggestions on how to improve the credit risk control model for SMEs,such as optimizing the pre-lending investigation process,improving the rating system,improving customer screening methods,and improving the post-lending management mechanism.Strengthen the construction of the staff,etc.,and also provide reference for other commercial banks to carry out SME credit business.This article distinguishes itself from the features of similar studies in CHINA and abroad.First,it focuses on the study of credit risk control models for SMEs in different banks,and controls the credit risk of SMEs through the rationalization of procedures,the specialization of models,and the integration of cultural environments;with the example of the bank of China T branch,it thoroughly analyzed the advantages and existing problems of the T branch's "credit factory" model and provided a useful reference for the development of T branch's SME credit business.